Kerdora includes 5 standalone calculators you can use while working in any client's file. They're accessible from the calculator icon in the top-right corner of the screen. Click it, and you'll see all 5 listed in a dropdown menu.
These are separate from the goal calculators (Retirement, Education, Liquidity) and the insurance calculators. They're general-purpose financial tools you can pull up anytime during a client meeting or planning session.
How to Open a Calculator
Click the calculator icon (looks like a small calculator) in the top-right toolbar while inside any client's file. A dropdown menu appears with all 5 calculators listed. Click the one you want.
4 of the 5 open as a full page. The Time Value of Money calculator opens in a side drawer, so you can use it without leaving whatever page you're on.
1. Versatile Calculator
The most full-featured calculator in Kerdora. It lets you create projections with multiple scenarios and solve for different variables.
What it does
Projects an investment balance forward over time, accounting for payments, returns, taxes, inflation, and investment fees.
Key inputs
User Settings
Present Value — starting balance
End Value — target ending balance (used when solving)
Start Age — optional, for labeling
Years — projection period
Payment (toggle between Simple and Schedule)
Payment ($) — annual contribution or withdrawal
Start Year — when payments begin
Increase (%) — annual payment growth rate
Timing — Beginning of Year (BoY) or End of Year (EoY)
Return (toggle between Simple, Schedule, and Random)
Simple: single fixed return percentage
Schedule: set a different return for each year
Random: enter a mean and standard deviation, then see Worst, 25th, Median, 75th, and Best case outcomes
Other Settings
Taxes (%), Inflation (%), Investment Fee (%)
What you get
Ending Balance, Total Payments, and CAGR displayed at the top
A chart showing the balance over time
A year-by-year detail table
Solve feature
You can solve for Rate of Return, Present Value, or Payment. Set your End Value (your target), pick what to solve for from the dropdown, and click Solve. Kerdora calculates the missing variable.
Scenarios
You can create multiple scenarios as tabs and compare side by side. Each scenario has its own inputs and projections.
2. Time Value of Money
A quick-access financial calculator that opens in a side drawer so you don't lose your place. Great for answering quick "what if" questions during a meeting.
What it does
Solves standard time value of money problems. Pick which variable you want to calculate, fill in the others, and get your answer instantly.
Solve modes
Choose one of 5 modes from the Calculator dropdown. The field you're solving for disappears from the inputs (since that's the output):
Future Value — "What will this be worth in X years?"
Present Value — "What's the current value of a future amount?"
Interest Rate — "What return do I need?"
Payment — "How much do I need to contribute?"
Time Period — "How long will this take?"
Key inputs
Present Value ($)
Future Value ($)
Interest Rate (%)
Payment ($) — annual amount
Timing — Beginning of Year or End of Year
Compounding — Annual or Monthly
Time Period (years)
What you get
The calculated result appears at the bottom of the calculator. Interest rates show as a percentage, time periods show in years, and dollar amounts show as currency.
You can add multiple calculators in the same drawer, rename them, duplicate them, or delete them using the icons at the top of each one.
3. Annuity Rate of Return
Helps you evaluate an annuity product by calculating the effective rate of return based on the premium, deferral period, and income stream.
What it does
Shows what rate of return an annuity needs to deliver based on the income it pays out. Useful for comparing an annuity against alternative investments.
Key inputs
User Settings
Initial Premium ($) — the upfront cost of the annuity
Total Years — the full projection period
Income (toggle between Simple and Schedule)
Payment ($) — the annual income payout
Years of Deferral — how many years before income starts
Increase (%) — annual income growth rate
Timing — Beginning of Year (BoY) or End of Year (EoY)
Return
Return (%) — the assumed rate of return
What you get
A chart showing the projected balance over time
A year-by-year table with balance and income details
A Solve for Rate of Return button that calculates what return the annuity actually delivers given the inputs
Scenarios
Like the Versatile Calculator, you can create multiple scenarios as tabs and compare different annuity structures.
4. Equivalent Yield (Annuity)
Answers the question: "What rate of return would I need on an investment portfolio to match the income this annuity provides?"
What it does
Takes an annuity's income payout and shows, across a range of withdrawal rates (1% through 6%), how large a portfolio you'd need and what return that portfolio would have to earn to match the annuity's income.
Key inputs
Initial Premium ($) — the amount paid into the annuity
Years of Deferral — how long until income begins
Income ($) — the annual income the annuity pays
What you get
An interactive comparison table with 6 rows (one for each withdrawal rate from 1% to 6%). Each row shows:
To get an income of: | At a withdrawal rate of: | I need a balance of: | Which requires a rate of return of: |
(your income amount) | 1% | (calculated) | (calculated) |
... | 2% through 6% | ... | ... |
Click any row or column to highlight it for easy reading during a client conversation.
5. Equivalent Yield (Life Insurance)
Same concept as the Annuity version, but designed for life insurance policies. Answers: "What rate of return would I need on an investment portfolio to replicate the income from this life insurance policy's cash value?"
What it does
Takes a life insurance policy's premium and projected cash value, then compares it against what an investment portfolio would need to earn to produce the same pre-tax income.
Key inputs
Premium ($) — annual premium paid
Years of Premium — how many years you pay in
Future Cash Value ($) — the policy's projected cash value
LI Withdrawal Rate (%) — the rate at which you withdraw from the cash value
Tax Rate (%) — your marginal tax rate
Two fields calculate automatically:
Income — Future Cash Value multiplied by the Withdrawal Rate
Pre-Tax Income — Income adjusted for taxes
What you get
An interactive comparison table with 6 rows (one for each withdrawal rate from 1% to 6%). Each row shows:
To get a pre-tax income of: | At a withdrawal rate of: | I need a balance of: | Which requires a rate of return of: |
(your pre-tax income) | 1% | (calculated) | (calculated) |
... | 2% through 6% | ... | ... |
Like the Annuity version, click rows or columns to highlight them.
Printing
All 5 calculators support printing. For the Versatile and Annuity Rate of Return calculators, use your browser's print function. For both Equivalent Yield calculators, click the print icon in the top-right corner of the calculator page to generate a printable version.
Quick Reference
Calculator | Opens as | Best for |
Versatile | Full page | Investment projections, scenario planning, solving for variables |
Time Value of Money | Side drawer | Quick PV/FV/rate/payment calculations during meetings |
Annuity Rate of Return | Full page | Evaluating annuity products, comparing income structures |
Equivalent Yield (Annuity) | Full page | Comparing annuity income against portfolio alternatives |
Equivalent Yield (Life Insurance) | Full page | Comparing life insurance cash value against portfolio alternatives |